Mr. Richard Burrows:

Well, I can't comment on the particular draft press release because I don't have a recollection of it. And I can only speak from the point of view of Bank of Ireland. On the night of the guarantee, as far as we were concerned, we were an entirely solvent institution. Now we would admit that we had great concerns about liquidity for the reasons that I mentioned to you - the closing of the wholesale funding markets. But on the night of the guarantee, we had some 60 days at least of visibility in relation to our funding position, but at no time at that point were we concerned about solvency.